This is a joke. Excess savings are economically pointless, they serve no purpose, excess savings mean people are saving more than they invest, leading to economic decline.

>Without excess savings there will be no tech industry, improvements in science, infrastructure investments or much of anything interesting.

I honestly have no idea what you are talking about. Governments borrow more and more money to artificially turn excess savings into regular savings by increasing the investment rate, any benefits you think come from excess savings actually come from turning excess savings into regular savings aka savings = investment.

If savings are above investment it means aggregate demand is below aggregate supply and we are failing millions of people.